District of Columbia Rideshare Insurance

DC has a few insurance options for rideshare drivers. Erie Insurance offers rideshare policies as well as GEICO offering rideshare “hybrid” policies, Allstate and Liberty Mutual.

Erie Insurance

Erie has been around for 90 years. They are currently rated A+ (Superior) by A.M. Best. Erie Insurance ranks highest in customer satisfaction according to the J.D. Power 2015 U.S. Insurance Shopping Study. This is the third year in a row that Erie has achieved this award.

Allstate

Allstate’s new rideshare coverage is unique. While it provides coverage during period 1, Allstate’s rideshare coverage also helps fill the gap that arises when a customer’s personal auto policy liability coverage limits are greater than what’s provided by Uber and Lyft during period 1, 2 and 3. The coverage also protects drivers against high deductibles that ridesharing companies have for their coverage.

Liberty Mutual

Liberty Mutual offers very competitive rates with very flexible billing options, Liberty Mutual is a great ride share friendly option. They will not cancel your policy if you are participating in a ride share program. Also, Liberty Mutual does not count rideshare miles for premium rating purposes, assuring very competitive rates.

State Farm

State Farm’s rideshare endorsement extends your coverage limits during period 1, 2 and 3. This means that your personal deductible will be in effect any time you are behind the wheel, no matter which TNC you’re driving for, or which period you’re in. If you have other coverages such as medical, towing and rental car coverage, these too will be in effect while you’re driving for Uber, Lyft, or others.

GEICO

With a single policy, it doesn’t matter whether you’re “on the clock” or just driving for personal reasons. Eliminate coverage gaps and don’t worry about which policy is primary if you have an accident. Best of all, GEICO’s ridesharing coverage is offered at rates typically much lower than taxi and commercial rates. Also, Uber, Lyft, or other on-demand service—drivers are not limited to just one transportation network company.

About

I'm Harry, the owner and founder of The Rideshare Guy Blog and Podcast. I used to be a full-time engineer but now I'm a rideshare blogger! I write about my experience driving for Uber, Lyft, and other services and my goal is to help drivers earn more money by working smarter, not harder. Read More…

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